Kenn Dahl says he has always been a careful driver. The owner of a software company near Seattle, he drives a leased Chevrolet Bolt. He’s never been responsible for an accident.

So Mr. Dahl, 65, was surprised in 2022 when the cost of his car insurance jumped by 21 percent. Quotes from other insurance companies were also high. One insurance agent told him his LexisNexis report was a factor.

LexisNexis is a New York-based global data broker with a “Risk Solutions” division that caters to the auto insurance industry and has traditionally kept tabs on car accidents and tickets. Upon Mr. Dahl’s request, LexisNexis sent him a 258-page “consumer disclosure report,” which it must provide per the Fair Credit Reporting Act.

What it contained stunned him: more than 130 pages detailing each time he or his wife had driven the Bolt over the previous six months. It included the dates of 640 trips, their start and end times, the distance driven and an accounting of any speeding, hard braking or sharp accelerations. The only thing it didn’t have is where they had driven the car.

On a Thursday morning in June for example, the car had been driven 7.33 miles in 18 minutes; there had been two rapid accelerations and two incidents of hard braking.

  • ReverendIrreverence@lemmy.ml
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    8 months ago

    Kinda like those who choose to be in the Progressive Insurance “Snapshot” program where you install an OBD2 dongle that reports a lot of data about your driving habits back to Progressive in the dim chance you drive so well that they will lower your rates.

      • ReverendIrreverence@lemmy.ml
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        8 months ago

        Very true, I was focusing more on the story’s driver being “surprised” and “stunned” by the amount of data collected and that all that date didn’t convince an Insurance Company’s algorithm he was a driver worthy of paying them less than his current premium. I expect upwards of 90% of drivers would be stunned as well that they are not as good of a driver as they imagine and that “I’ve never having an accident” doesn’t carry as much weight with the algorithm as they might have hoped.

    • delirious_owl@discuss.online
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      8 months ago

      Surely theres someone who has a rasberi pi that reports fake data to this thing? Yes, insurance company, I drive like a Grandma. You’re welcome, now give me my discount.

      • millie@beehaw.org
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        8 months ago

        I feel like fraud is a big risk for, what, less than $100/mo? You can do better.

        They’re literally an insurance company. They have lawyers coming out of their ears.

        • CileTheSane@lemmy.ca
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          8 months ago

          I never sent this information to insurance companies. Not my problem if some company tracking me gets faulty info.

      • ReverendIrreverence@lemmy.ml
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        8 months ago

        It’d be cool if you could tap into the OBD2 dongle and find what its criteria is that denotes “rapid accelerations” or “hard braking” and them reprogram it to dampen that curve and never report more than maybe 5% less than what would trigger an acceleration or braking flag

      • cynar@lemmy.world
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        8 months ago

        It’s fine till you have an accident. Then your completely fucked.

        Those deals, at least over here, are generally aimed at new drivers. I actually agree with them, to a level. It lets the insurance company rapidly sort the safe drivers from the idiots, and so discriminate on prices. It also trains new drivers to be safer. I remember how fearless I was when starting out. The quicker we get new drivers out of that mindset, the better.